Best CD rates in Massachusetts

Requirements

Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.

Offer: Dividends compounded and credited monthly.

Requirements

Product: Dividends are compounded daily and paid monthly. Rates are fixed and guaranteed for the term of the certificate. Early withdrawals of principal are subject to penalty.

Offer: Special CD term.

Requirements

Product: Available to both consumer and business customers. Online banking customers can open a new CD anytime. Early withdrawal penalty may apply. Interest posts on the 15th of each month and at maturity. No maintenance fees. Online account opening available to New England residents only (MA, RI, CT, VT, NH & ME).

Offer: 15 Month CD Special. Unless changes are made to your account during the 10-day grace period following maturity, renews for a 12-month term at the then current rate. Available to consumer and business customers. Not valid on IRA CDs. Penalty may be imposed for early withdrawal.

Requirements

Product: Limited-time certificate specials. Requires $1,000 minimum deposit to open and Harvard FCU membership. Minimum daily balance of $1,000 must be maintained to earn posted APY. Early withdrawal penalties apply. Crimson Elite bonus adds 0.10% APY. If not selected otherwise prior to expiration, rolls over automatically into a certificate of the next highest term length.

Offer: Automatically rolls into a certificate of the next highest term length at expiration if no new selection is made. Minimum daily balance of $1,000 to earn posted APY.

Requirements

Product: An early withdrawal penalty may be imposed and could reduce earnings for these accounts. Fees could reduce earnings.

Offer: Compounding Daily. At renewal, the 17-month CD will renew at the 12-month term at the 12-month rate at that time unless you instruct otherwise.

Requirements

Product: Credit union membership required ($5 deposit relationship). Early withdrawal penalty may be imposed. Rates guaranteed for the length of the term. Fees may reduce earnings. 2 Year CD and 5 Year CD available to open online.

Offer: Minimum daily balance of $500 required to obtain disclosed APY.

Requirements

Product: A penalty may be imposed for early withdrawals. Fees may reduce earnings. Minimum opening balance is $1,000.00. For eOpen online account opening certificate terms are limited to 6 months and 12 months and special offers. CDs conveniently renew automatically.

Offer: A penalty may be imposed for early withdrawals. Fees may reduce earnings.

Requirements

Product: Membership eligibility required. Early withdrawal penalty applies (30 days' dividends for terms <= 12 months, 60 days' dividends for terms > 12 months). Automatically renews at maturity with a 10-day grace period. Additional deposits not permitted after account opening. Dividends compounded daily and credited monthly.

Requirements

Product: Penalties may be imposed for early withdrawals.

Requirements

Product: Minimum balance of $25.00 required. Penalty may be imposed for early withdrawal.

Offer: Term: 6 months. Minimum balance of $25.00 required. Penalty may be imposed for early withdrawal.

Requirements

Product: Rates quoted are accurate as of August 14, 2024 and subject to change without notice. If average daily balance falls below the minimum for that dividend period, no dividends are earned during that period. Fully insured up to $250,000 by NCUA and MSIC.

Offer: Minimum balance to earn dividends is $500. Average daily balance falling below minimum results in no dividends for that period.

Requirements

Product: Dividends compounded daily and credited monthly (or posted and compounded monthly). Automatic renewal for the same term at current rate if no action taken upon 10 days notice prior to maturity. No monthly fees. Minimum opening balance required to earn APY. Early withdrawal penalties apply (30 days interest for 3 months; 90 days interest for 6-12 months; 120 days interest for 18-60 months).

Offer: Early withdrawal penalty: 90 Days Interest.

Requirements

Product: With a minimum balance of $500.00, funds earn higher dividends. Dividends are compounded monthly. All certificates are subject to an early withdrawal penalty of 3 months' dividends. Automatically renewed unless instructed otherwise; notices mailed 30 days prior to maturity date.

Offer: Minimum amount $500.00.

Requirements

Product: Minimum balance $500. Dividends compound monthly. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.

Offer: With 2,500 Co-op Points